{"id":3215,"date":"2022-02-04T15:03:15","date_gmt":"2022-02-04T15:03:15","guid":{"rendered":"https:\/\/www.dextino.com\/wordpress\/?page_id=3215"},"modified":"2022-12-27T14:45:45","modified_gmt":"2022-12-27T14:45:45","slug":"tugo-seguros-de-estudiantes-exclusiones","status":"publish","type":"page","link":"https:\/\/yirmemaldonado.com\/en\/tugo-seguros-de-estudiantes-exclusiones\/","title":{"rendered":"TuGo Seguros de Estudiantes \u2013 Exclusiones"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3215\" class=\"elementor elementor-3215\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f866d54 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"1f866d54\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-741be893\" data-id=\"741be893\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-137bd0b7 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"137bd0b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">TuGo<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c139b38 elementor-icon-list--layout-inline elementor-align-center elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"2c139b38\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Insurance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1140eb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1140eb7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ea4b0d\" data-id=\"3ea4b0d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72c26444 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72c26444\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d02b566\" data-id=\"d02b566\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd11310 ekit-equal-height-disable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"fd11310\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"https:\/\/yirmemaldonado.com\/tugo-seguros-de-estudiantes-beneficios\/?lang=en\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-  gradient-active  hover_from_right\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    benefits                <\/h3>\n                                            <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c0fd88 ekit-equal-height-disable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"6c0fd88\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"https:\/\/yirmemaldonado.com\/tugo-seguros-de-estudiantes-exclusiones\/?lang=en\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-  gradient-active  hover_from_right\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    exclusions                <\/h3>\n                                            <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e9a6d1 ekit-equal-height-disable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"1e9a6d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"https:\/\/yirmemaldonado.com\/tugo-seguros-de-estudiantes-reclamaciones\/?lang=en\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-  gradient-active  hover_from_right\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Claims                <\/h3>\n                                            <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c54d03 ekit-equal-height-disable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"6c54d03\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"https:\/\/yirmemaldonado.com\/tugo-seguros-de-estudiantes-reembolso\/?lang=en\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-  gradient-active  hover_from_right\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Refund                <\/h3>\n                                            <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f09d990 ekit-equal-height-disable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"f09d990\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"https:\/\/yirmemaldonado.com\/tugo-seguros-de-estudiantes-extensiones\/?lang=en\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-  gradient-active  hover_from_right\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Extensions                <\/h3>\n                                            <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-57b4ad9 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"57b4ad9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-413e01c\" data-id=\"413e01c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60b468e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"60b468e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/api.whatsapp.com\/send?phone=14388304927\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-headset\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67f6a28 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"67f6a28\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/api.whatsapp.com\/send?phone=14388304927\">contact us<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8929ff1 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8929ff1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/api.whatsapp.com\/send?phone=14388304927\">+1 438 830 4927<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-154b4ff elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"154b4ff\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0193333\" data-id=\"0193333\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-02c1d02 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"02c1d02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/yirmemaldonado.com\/tugo-student-form\/?lang=en\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-envelope\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28ed1c5 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"28ed1c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/yirmemaldonado.com\/tugo-student-form\/?lang=en\">Form<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8d5afb4 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"8d5afb4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a264ce0\" data-id=\"a264ce0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f5d5f4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"8f5d5f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/app.yirmemaldonado.com\/SegurosEstudiantes\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-pen-alt\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03c5565 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"03c5565\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/app.yirmemaldonado.com\/SegurosEstudiantes\">Quote and Buy<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e8a6ca4 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"e8a6ca4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7a0a12d\" data-id=\"7a0a12d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d8c32b elementor-widget elementor-widget-image\" data-id=\"5d8c32b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/shop.tugo.com\/store\/MAL100\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"200\" height=\"100\" src=\"https:\/\/yirmemaldonado.com\/wp-content\/uploads\/2022\/05\/tugo.png\" class=\"attachment-large size-large wp-image-4168\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ba9761 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2ba9761\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/shop.tugo.com\/store\/MAL100\">Direct purchase<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7378e8e elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"7378e8e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0054d8b\" data-id=\"0054d8b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-488ae07 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"488ae07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/api.whatsapp.com\/send?phone=14388304927\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-headset\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e842294 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e842294\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/api.whatsapp.com\/send?phone=14388304927\">contact us<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5409a0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a5409a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/api.whatsapp.com\/send?phone=14388304927\">+1 438 830 4927<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-de53833 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"de53833\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2a5d254\" data-id=\"2a5d254\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cf756c7 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cf756c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/yirmemaldonado.com\/tugo-student-form\/?lang=en\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-envelope\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ce5caf elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"9ce5caf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/yirmemaldonado.com\/tugo-student-form\/?lang=en\">Form<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9e0b10d elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"9e0b10d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-23ac73e\" data-id=\"23ac73e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72dcc59 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"72dcc59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/app.yirmemaldonado.com\/SegurosEstudiantes\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-pen-alt\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11ce188 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"11ce188\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/app.yirmemaldonado.com\/SegurosEstudiantes\">Quote and Buy<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-517c3ea elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"517c3ea\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-00acb56\" data-id=\"00acb56\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca57a73 elementor-widget elementor-widget-image\" data-id=\"ca57a73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/shop.tugo.com\/store\/MAL100\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"200\" height=\"100\" src=\"https:\/\/yirmemaldonado.com\/wp-content\/uploads\/2022\/05\/tugo.png\" class=\"attachment-large size-large wp-image-4168\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef50c44 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ef50c44\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/shop.tugo.com\/store\/MAL100\">Direct purchase<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-747a0a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"747a0a7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-09e017b\" data-id=\"09e017b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ea923f2 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ea923f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/api.whatsapp.com\/send?phone=14388304927\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-headset\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2af31f9 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2af31f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/api.whatsapp.com\/send?phone=14388304927\">contact us<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb7d581 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"cb7d581\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/api.whatsapp.com\/send?phone=14388304927\">+1 438 830 4927<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7d3990f elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"7d3990f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ef835cb\" data-id=\"ef835cb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5f9fc8 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d5f9fc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/yirmemaldonado.com\/tugo-student-form\/?lang=en\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-envelope\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e0482a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6e0482a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/yirmemaldonado.com\/tugo-student-form\/?lang=en\">Form<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9506f33 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"9506f33\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4a66ffa\" data-id=\"4a66ffa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d64412 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4d64412\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/app.yirmemaldonado.com\/SegurosEstudiantes\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-pen-alt\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f311e5e elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"f311e5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/app.yirmemaldonado.com\/SegurosEstudiantes\">Quote and Buy<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-10249ede\" data-id=\"10249ede\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-24071740 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"24071740\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yirmemaldonado.com\/wp-content\/uploads\/2022\/01\/tugo-travel-insurance-banner.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f94ebe7 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"f94ebe7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Student Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efcd40c elementor-widget elementor-widget-spacer\" data-id=\"efcd40c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95ef752 elementor-widget elementor-widget-heading\" data-id=\"95ef752\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">exclusions<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7ebad8 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"f7ebad8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In addition to the general exclusions, the company will not be responsible for providing coverage, services or paying claims for expenses incurred directly or indirectly as a result of: 1. Any pre-existing condition as defined with the exception of any condition that has remained stable in 90 days prior to the effective date of the Policy. Pre-existing conditions that do not meet the criteria set forth above are not covered. 2. Medical treatment and expenses incurred in your country of origin.<br \/>3. A medical condition that originated while visiting your home country during the coverage period or any condition in whole or in part, directly or indirectly, related thereto. 4. Voluntary termination of pregnancy or resulting complications; postnatal care and delivery or resulting complications.<br \/>5. Medical expenses incurred for an infant 14 days or younger. 6. A trip that is made: a) against the advice of a doctor; or, b) after diagnosis of a terminal condition. 7. Loss, repair or damage to glasses, contact lenses, prostheses, hearing aids. 8. Conditions or any related condition for which, prior to your date of arrival in Canada, investigational tests or consultations were carried out, scheduled or recommended for the purpose of establishing a diagnosis (not including routine check-ups or monitoring routine for a stable condition), and whose results had not yet been received at the time of departure from their country of origin. This includes tests that were recommended or scheduled prior to departure, but had not yet been performed at the time of departure.<br \/>9. Testing and research consultation including but not limited to biopsies, except when performed at the time of emergency illness or injury; except as specified in the Medical\/Hospital Insurance section, heading Benefits, Non-Emergency Treatment. 10. Any medical treatment that is a continuation of an emergency illness or accident, unless a treating physician declares you medically unfit to return to your home country; except as specified in the Medical\/Hospital Insurance section, heading Benefits, Non-Emergency Treatment.<br \/>11. Elective treatment or surgery. (Elective treatment or surgery means any medical treatment, test, investigation or surgery: a) not required for the immediate relief of acute pain and suffering; that, if not prosecuted, would not place you in continuing danger; or, b) that could reasonably be delayed until you return to your home country; or, c) that you choose to have provided during an insured trip following emergency medical treatment of a medical condition or diagnosis of a medical condition that, based on medical evidence, would not prevent you from returning to your home country prior to such treatment or surgery.)<br \/>12. Non-emergency treatment or surgery, except as specified in the Medical\/Hospital Insurance section, Benefits, Non-Emergency Treatment section. 13. Any medical condition or recognized complication of a condition, where the purpose of your trip is to seek medical treatment or advice for that condition, and where medical evidence indicates that the medical treatment is related to that condition. 14. Treatment, service or prescriptions required for continuing care, or provided in a chronic unit of a general hospital, convalescent or convalescent home, health spa or rehabilitation center, or checkups, except as specified in the Insurance section doctor \/ hospital, heading Benefits, Annual medical visit.<br \/>15. A medical condition for which treatment or hospitalization could reasonably have been expected. 16. Any subsequent claim for the same medical condition or related condition with respect to an illness or injury that occurred during a covered trip. 17. Emergency air transportation unless previously approved and arranged by Claims at TuGo. 18. Expenses incurred after emergency air transportation, when the emergency air transportation was not pre-approved and arranged by Claims at TuGo. 19. Expenses incurred as a result of not accepting or following the advice, treatment or treatment recommended by a doctor.<br \/>20. Any condition for which you are registered on a waiting list in your home country for treatment or diagnosis. 21. Any amount that would be paid under your study province or territory government health care plan, if you are purchasing this plan in addition to any other primary insurance plan or contract.<br \/>General exclusions In addition to the exclusions specified in each insurance coverage, the company will not provide coverage, services or pay claims for expenses incurred directly or indirectly as a result of: 1. a) War, civil war, riots, rebellions, insurrections, revolution, invasion, hostilities or warlike operations (whether war is declared or not), civil commotion, overthrow of legally constituted government, military or usurped power , explosions of weapons of war, use of nuclear, chemical or biological weapons; b) Death or disability in any way caused or contributed by radioactive contamination; or c) Any action taken to control, prevent or suppress any or all of a) or b) above. 2. Suicide or attempted suicide, self-inflicted injury, or the commission or attempted commission of any crime or offense.<br \/>3. Scuba diving, unless you have a basic diving designation from a certified school or other authorized body. 4. Participation in any sport as a professional athlete (person who performs a specific activity from which he\/she derives the majority of his\/her income) or while participating in any motorized sporting event, racing or speed competition, hang gliding, bungee jumping, rock climbing or rock climbing climbing, paragliding, skydiving, skydiving, or mountaineering.(Mountaineering means the act of climbing or descending a mountain using specialized equipment including, but not limited to, pickaxes, ice axes, anchors, bolts, crampons, carabiners, and lead or top rope. Mountaineering includes but is not limited to rock climbing, snow and ice climbing.)<br \/>5. Psychotherapeutic treatment or rehabilitation treatment, psychological, emotional or mental disorders, except as specified in the Medical \/ Hospital Insurance section, heading Benefits, Psychiatric \/ Psychological. (Mental or emotional disorder means an emotional disorder or condition, anxiety state, situational crisis, anxiety or panic attack, or other mental health disorders that can be treated with tranquilizers or anti-anxiety medications.) 6. The consumption or abuse of any alcohol, drugs or medication, or any event, act or omission caused or contributed to by the use or abuse of alcohol, drugs or medication.<br \/>7. A condition arising from or resulting from acquired immunodeficiency syndrome (&#8220;AIDS&#8221;) or AIDS-related complex (&#8220;ARC&#8221;) if the condition first manifested before the effective date of coverage, or if the condition arose from human immunodeficiency. Virus (\u201cHIV\u201d) that was first diagnosed or manifested before the effective date. 8. Expenses incurred if other insurance policies, plans or contracts, including any provincial or private automobile insurance, cover the loss. 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